Patrick, thanks for the link in post[space][/space]895. One of the cards I've been looking into is listed. Also, the site confirms that 1.5% is a good rate for straight cash rewards. Logan, I get that it's now easier to monitor one's checking account than it used to be and that my fears about not keeping track are largely unwarranted. I keep thinking back to the olden days when ATMs first became readily available and monitoring wasn't easy. Still, as Patrick says, you can overdraft bank accounts. Also, using a simple example, if you have $10,000 in your checking account and a $10,000 credit line, that's $20,000 that you have to play with. All you really have to know is that you can pay for what you buy when the time comes. But that time can be next week or later in the month rather than today. I think the bottom line is that there are a lot of approaches that individuals can take. If I want cash and Patrick wants miles, that's fine. Cash rewards can be spread more easily across more than one card while it's probably good to concentrate one's miles in one place. But miles may have a better payoff in the end as long as you can use them. Probably the most important aspect of rewards is that they're useful to the customer and easy to redeem. And if one person prefers debit and another likes credit, that's fine too. The trick is to do what's best for you while avoiding the things that are bad for everyone. wallus brings up an interesting point about the merchant's end of things. I figure that smaller businesses should do what's best for themselves and that I can deal with it accordingly. I'm fine with paying the self-employed handyman in cash. I had an electrician who did things the old fashioned way; he sent me a bill and gave me 30 days to pay. And if someone wanted to offer a cash discount or charge 3% for using a card, I can go with that too. But Woodman's is still a pain. I usually don't think about the fact that they don't take credit cards until I walk in. If I'm prepared, I'll have the extra cash on hand before I leave the house. But 90% of the time, it doesn't happen that way, and I delve into the cash that I like to keep with me for emergencies. Their selection is great, and I'll go there when I know they have something in particular that I want. For occasional times that I need it, their beer and wine selection is extremely impressive. But they'd likely become my main shopping destination if they took credit cards.